Our Terms of Business.
Clear. Fair. Transparent.
These terms explain how we work with insurance customers, the services we provide and important responsibilities.
1. About us
Hillside Mortgages is a trading name of Mohammad Ejaz Choudhury. We provide insurance information and support from our Southall office.
2. Our services
We provide information and support in relation to a range of personal, commercial, landlord, property and protection insurance products. We do not offer motor insurance. The exact scope of service for a particular policy will be explained in the relevant customer and insurer documents.
3. How we work
We will ask for information relevant to the insurance risk and explain key next steps. Insurer documentation, policy wording, schedule and endorsements form the contract of insurance and should be read carefully.
4. Regulatory status
Hillside Mortgages is a trading name of Mohammad Ejaz Choudhury, who is authorised and regulated by the Financial Conduct Authority. Firm Reference Number 303260. Our FCA permissions include insurance distribution in relation to non-investment insurance contracts for retail and commercial customers. The FCA Register should be checked for the current scope of permissions.
We cannot hold or control client money.
5. How we are paid
The remuneration method can vary by product and insurer. It may include commission paid by an insurer and, where applicable, a separately disclosed fee. The exact remuneration disclosure for your transaction should be provided before you proceed.
6. Your responsibilities
- Provide complete and accurate information.
- Tell us promptly if relevant circumstances change.
- Read policy documents, schedules and endorsements.
- Pay premiums and agreed charges when due.
- Contact the insurer or us promptly when an incident may give rise to a claim.
7. Cancellations and changes
Cancellation rights, return premiums and charges depend on the policy, insurer, timing and applicable law. Check your policy documents or contact us before making a change.
8. Complaints
If you are unhappy with our service, please contact us first using the details on this website and give us the opportunity to investigate your complaint. Depending on the activity and your eligibility, the Financial Ombudsman Service may be able to consider a complaint if it is not resolved to your satisfaction. Financial Ombudsman Service and Financial Services Compensation Scheme protection is not available for every activity or in every circumstance; those organisations decide whether a particular complaint or claim is eligible.
9. Data protection
Personal information is handled in accordance with our Privacy Policy and applicable data protection law.
10. Changes to these terms
We may update these terms where appropriate. The current version will be available on this website.
Regulatory information: Hillside Mortgages is a trading name of Mohammad Ejaz Choudhury, authorised and regulated by the Financial Conduct Authority, Firm Reference Number 303260. Regulatory protections depend on the activity and customer circumstances.